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Health Savings Account

HSA Central

HSA Eligibility Requirements – Do I qualify for an HSA?

To qualify for an HSA, you must meet the following requirements:

  • You must be covered by a qualified high deductible health plan (HDHP).

  • You must have no other health coverage, including a spouse’s plan that provides benefits covered by your HDHP. You can have accident, disability, dental, vision, or long-term care coverage or insurance that provides benefits for a specific disease or illness, a fixed amount for hospital stays or liability coverage, such as worker’s compensation.

  • You are not enrolled in Medicare.

  • You do not receive health benefits under TRICARE.

  • You have not received Veterans Administration (VA) benefits within the past three months.

  • You cannot be claimed as a dependent on someone else’s tax return.

  • You are not covered by a general purpose Health Care Flexible Spending Account (FSA) or Health Reimbursement Account (HRA). Limited-purpose FSAs and HRAs are permitted.

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